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About Our Home Retention Department
We will handle every aspect of your negotiation and prepare a comprehensive loan modification package for the lender including but not limited to:
Financial Prospectus Expense - Detailed to include all income, assets, and all payments made, down to every cost. This allows a realistic view of the homeowner’s financial abilities to be sure they can continue to make their house payments for years to come once the loan is restructured.
Cost Benefit Analysis For The Lender - We will document exactly what the lender stands to lose if they do not modify this mortgage.
Financial Analysis - Verify payments the homeowner can afford.
Loan Restructuring Proposal - Home Retention Processing Services requests specific terms for the homeowner’s new loan.
CMA - Comparative Market Analysis of the subject property. We also do a cross analysis of homes currently listed on the market and in foreclosure in the surrounding area.
Letter of Hardship - We will take the homeowner’s reasons for financial hardship and guide them into creating a compassionate, thoughtful and easy to understand letter stating why they need financial relief.
Unlimited Negotiations - We negotiate directly with the existing lender and/or their attorneys.
24 Hour Online Access - Check loan modification status for both affiliates and the homeowner.